2003 Saab 9-5 Insurance Quotes

Looking for better car insurance rates for your Saab 9-5? Getting the lowest cost car insurance is somewhat difficult for vehicle owners not familiar with price shopping over the internet. With dozens of insurance companies available, how can vehicle owners effectively compare every company in order to find the lowest rates?

You should take the time to quote other rates once or twice a year since insurance prices are constantly changing. Just because you had the best rate on 9-5 insurance six months ago you will most likely find a better premium rate today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the fastest way to find better coverage at a better price.

This information will familiarize you with the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Although car owners can benefit by having an understanding of the way companies sell insurance online because it can help you find the best coverage.

Compare auto insurance quotes online

To find affordable insurance quotes, there are several ways to get quotes from local auto insurance companies. The quickest method to comparison shop is to get quotes online. This is quite simple and can be completed in just a few minutes using one of these methods.

The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating boring form submissions for each company. Taking the time to complete one form gets rate comparisons from all major companies. This is by far the quickest method.

A more difficult way to analyze rates is to manually visit the website for each individual company to complete their respective quote request forms. For examples sake, let’s say you want to see prices from State Farm, 21st Century and Farmers. In order to compare rates, you need to visit each site and enter your information, which can get old fast. To view a list of companies in your area, click here.

The least efficient and most time consuming way to get rate quotes is physically going to and from local insurance agencies. The fact that you can get quotes online has made agencies unnecessary unless you want the professional abilities that you can only get from talking to an agent. Drivers can obtain prices from the web and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just be certain you are entering the exact same coverages and limits for each quote you get. If the quotes have different limits and deductibles on each one you will not be able to make an equal comparison. Just a small difference in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes gives you a better chance of getting better pricing.

Insurance coverage policy discounts

Insurance coverage is expensive, but there could be available discounts that many people don’t even know exist. Some trigger automatically when you quote, but some may not be applied and must be requested specifically before you get the savings.

• Discount for Multiple Policies – When you have multiple policies with one company you could save up to 20% off your total premium.
• Accident Free – Good drivers with no accidents are rewarded with significantly better rates on insurance quote in comparison to policyholders that have many claims.
• No Charge for an Accident – Not really a discount, but some companies like Progressive, State Farm and GEICO may permit one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
• Air Bag Discount – Cars that have air bags and/or automatic seat belt systems could see savings of 20% or more.
• Distant Student Discount – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle could qualify for this discount.
• Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
• Organization Discounts – Having an affiliation with a civic or occupational organization is a good way to get lower rates when getting a insurance quote.
• Sign Online – Some larger companies will give a small break for buying your policy online.
• Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on one policy could earn a price break for each car.

As a sidenote, some of the credits will not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, companies don’t profit that way.

To locate insurance companies with the best discounts, follow this link.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

• Why do I need rental car insurance?
• Is my camper covered by my car insurance policy?
• At what point should I drop full coverage?
• Do all my vehicles need collision coverage?
• Why is insurance for a teen driver so high?
• When should I remove comp and collision on my 2003 Saab 9-5?
• Am I covered if hit by an uninsured driver?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your policy

Understanding the coverages of insurance can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, hail damage, damage from a tornado or hurricane and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This coverage will pay to fix damage to your 9-5 caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Insurance for medical payments – Med pay and PIP coverage reimburse you for short-term medical expenses for things like surgery, rehabilitation expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Liability car insurance – This coverage can cover damages or injuries you inflict on people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as pain and suffering, court costs and attorney fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Saab 9-5.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.